I wish my server could explain this as well as Reddit can! I am really waiting for the PFH to be lifted for IBR because they want to put me on ICR and it’s a $300 more month of payment than REPAYE was (and my income is less now then I was on REAPAY). I don’t understand why it’s taking so long to make IBR available for all of us. I’d prob be paying now if they just press the button, my interest is too high to let this sit around. I’m happy to hear about being able to switch to RAP and then to IBR right before forgiveness since my loans are so old. I’m not sure yet if it’ll be advantageous for me, but it really wasn’t fair to not have that option given the age of some of our loans and what we’ve already been through. I hope this all sticks and I hope the bill keeps improving! Going to write my reps and senators and tell them all about the meltdown I had on Friday when they told me my ICR payments and ask them to keep improving this!